Business & Commercial Insurance
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Business & Commercial Insurance Information
Coverage For Your Business In Durham And Raleigh, NC
Protect Your Investment
All About Insurance provides insurance to businesses in Chapel Hill, Raleigh, Durham, Eden, Burlington, Cary, and surrounding areas.
A business is an exciting investment, and one that all businessowners are determined to protect. With the right insurance policy, you can focus all your attention on pushing your company to be the best possible version of itself without worrying about an accident undermining all your hard work.
The agents at All About Insurance work closely with businessowners across industries to customize policies for their business' needs and budget. If you're looking to protect your business, give us a call at (919) 321-2886 or fill out an online quote form today.
Other Coverage Options
Common Business Insurance Questions
What Insurance Do I Need For A Small Business?
Small business owners often think they may not need insurance. On the contrary, smaller businesses are often at greater risk when it comes to accidents and lawsuits, because these businesses generally don't have a lot of monetary savings to fall back on in case of an unexpected and expensive claim.
How Much Is Small Business Insurance?
The cost of small business insurance varies depending on several factors, such as the location of the business, its size, its industry and its claims history. In general, small business owners may pay around $1,200 a year for general liability and commercial property insurance.
What Is Covered In Small Business Insurance?
Small businesses often invest in a BOP, or a business owners policy. This policy allows small businesses to bundle important coverages into a more affordable policy. Basic BOPs include:
- General Liability: This covers acts of non-professional negligence that result in bodily injury or property damage of a third party.
- Commercial Property: This provides compensation if the business physical property is lost or damaged due to fire, wind, hail, lightning, smoke, theft and vandalism.
These policies can be customized to cover other needs, as well. Common additions to BOPs include:
- Professional Liability: This covers acts of professional negligence that causes clients direct or indirect loss.
- Cyber Liability: This covers incidents concerning electronically stored information that is damaged, lost, breached or stolen.
- Inland Marine Insurance: This covers items and equipment while it is being transferred.
How Much Business Insurance Do I Need?
Insurance needs change from business to business, even for those within the same industry. Carefully consider the liability risks and property loss your company faces. If you have any questions about the right business insurance limits for your company, connect with an agent at All About Insurance today.
How Much Does Business Insurance Cost?
Business insurance costs vary depending on specific policies, coverages and limits. On average, business owners may pay around $500 a year for general liability insurance alone.
When Do You Need Business Insurance?
Business insurance should be purchased before a business ever offers goods or services to clients.
When Is Business Insurance Required?
Requirements for business insurance depend on the state. In North Carolina, all employers with three or more employees must offer workers compensation insurance. Any businesses that owns or uses commercial vehicles for work are also required to carry commercial auto insurance. Other requirements can vary per industry.
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